I am currently unemployed(since March!) and will have unemployment benefits until March, after that the only way I have to pay my mortgage is by withdrawals from my 403b which is valued at 70k. I am 53 yrs old. I have a family of 4 and have been in this house since 95. There is very little equity in the house. My wife makes about 2400 per month. My question is should I take withdrawals from my 403b or move somewhere else. Question #2, where can I move this money to make it more accessible?(IRA?)